When the World Cup was on, some journalist (with nothing better to do) worked out the decrease in mpg caused by the drag from an Engerland flag on a car roof, times the number of cars carrying one (or two), times the average miles traveled over the tournament.
The result was a staggering amount of fuel being used to lug all those flags around.
Similar with full tanks. I always fill the bikes because the range is limited anyway, in the car it depends on how well off I'm feeling, I'm more likely to fill up if I'm at a (relatively) cheap supermarket.
Edited to add: While we're on the subject of fuel, I've read that the reason both Red Bull cars retired at the end of Sunday's Grand Prix is suspected to be cavitation in the fuel pump and fuel lines caused by the compulsory 10% sustainable ethanol element in the fuel starting to evaporate in the heat after it was sloshing around in a nearly empty tank.